Compliance 12 min read
Prescribed Debt in South Africa | Professional Guide
Understand prescribed debt in South Africa: the 3-year rule, Prescription Act, NCA Section 126B, bureau reporting, and what it means for credit professionals.
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Insights & Resources
Expert perspectives on credit assessment, debt counselling, and the South African financial landscape.
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Compliance 17 min read
Reckless Lending Under the NCA | SA Compliance Guide
Understand reckless lending rules under South Africa's NCA and what credit providers must do during affordability checks to avoid compliance breaches.
Credit Assessment 10 min read
Adverse Listings in South Africa | Practical Risk Guide
Understand adverse listings on SA credit reports: judgments, defaults, admin orders, sequestration. For credit professionals assessing risk and affordability.
Credit Assessment 16 min read
Affordability Assessment in South Africa | NCA Guide
Understand NCA affordability assessment requirements in South Africa, including Sections 81 and 82, required inputs, and controls for audit-ready decisions.
Credit Assessment 12 min read
Credit Application Verification | South Africa Guide
Credit application verification in South Africa: income, employment, expenses, and bureau reconciliation. NCA-compliant procedures to reduce reckless lending.
Credit Assessment 8 min read
Credit Scoring in South Africa | Bureau Score Guide
Learn how credit scoring works across South African bureaux, what drives score changes, and why professionals should not rely on a single report.
Credit Assessment 10 min read
Debt-to-Income Ratio | Credit Assessment Guide
Calculate and use debt-to-income ratio for credit assessments in South Africa. DTI, NCA affordability, and consistent bureau-based analysis.
Credit Assessment 9 min read
Minimum Expense Norms for Credit Assessments | SA Guide
Minimum expense norms for credit assessments in South Africa. How to set, apply, and document living expense benchmarks for NCA-compliant affordability.
Credit Assessment 10 min read
Over-Indebtedness Assessment in South Africa | SA Guide
Learn how to assess over-indebtedness under the NCA in South Africa, including the legal definition, required data points, and practical review steps.